Lifestyle

Are you interested in the most convenient scooters or the best bikes for seniors? If so, have you considered electric options rather than comfort bikes or cruisers? Electric scooters and bicycles can provide the opportunity for longer outings without tiring. However, for some strange reason, many people do not consider hybrid models for city commuting, but in reality, these devices were made for busy city living, especially when car ownership is unlikely or challenging. Although, several factors should go into determining which option is best for you.

Speed and Local Regulations

When discussing scooters or electric bikes for sale, speed and local regulations will often come up. State and city laws will play a significant role in the max speed of either machine. Although, a scooter is likely to have more restrictions than a bicycle, and much of that discrepancy has to do with the relative newness of hybrid bikes.

Range

The next most popular topic of comparison between scooters and electric bikes is the estimated range. Hybrid bicycles typically have a range between 20 and 30 miles. Electric scooters, however, range widely from ten to 80 miles, depending on the model. Although, if you want a scooter that can travel longer distances, you will likely be paying a heftier price tag, and there will probably be more restrictions, depending on the classification.

Convenience

While both an e-scooter and e-bike are convenient in terms of inexpensive daily commuting, and rechargeability. An e-bike has the added benefit of remaining useful even when or if the battery dies. Electric scooters cannot operate without a charge, which means that if your battery dies, you will have to push the scooter to your destination to recharge the battery.

Durability and Replacement Parts

When it comes to durability and longevity, a hybrid bike is likely the best option. E-scooters have many components that cannot be repaired, such as the motor or battery. While the same can be said for electric bikes, these parts are likely less expensive to replace on a bike than a scooter. An electric bicycle is also easier to upgrade.

Exercise

Now, if you want a mode of transportation that also allows for exercise, then an electric bike is the best option. Electric scooters do not enable the opportunity to pedal or push. A hybrid bike can use pedal-assist or motorless action. Also, you can limit the amount you use the motor on an e-bike.

Indoor Storage

Last, when comparing e-bikes and scooters, you need to consider the ease of storage. While both are electric and do not have gas fumes, a scooter may be meant with some sideways glances when attempting to bring it indoors or into elevators. An electric bike is less intrusive and more acceptable in public spaces, especially in elevators.

In terms of city commuting, an electric bicycle seems to be more versatile than e-scooters. However, if you are still on the fence as to which model suits your lifestyle, then contact a local bike shop to discuss options further.

 

If you’re in the mood to play a game which features powerful wizards, you’ve come to the right place. Simply continue reading in order to discover some of the best wizard games which you currently download and play.

The Best Wizard Games:

Wizard 101:

If you grew up reading about Harry Potter and his magical friends and wished that you’d receive a mysterious letter to join a real life school for wizards, it’s well worth living out your childhood fantasy by playing Wizard 101. In Wizard 101 you’ll get to play as trainee wizard who attends the Ravenwood School of Witchcraft of Magical Arts, who is tasked with saving their world from a series of never ending threats. If you’d love to play an engaging RPG game which will allow you to take part in magical tournaments and to fight ferocious magical beasts, do yourself a favor and download Wizard 101 today.

Harry Potter: Wizards Unite:

Alternatively you may be interested in playing Harry Potter: Wizards Unite, which was released by Niantic, the company behind Pokemon Go. Like Pokemon Go, Wizards Unite makes use of augmented reality and will use your smart phone’s camera in order to make it appear as if there are magical individuals and creatures in your real life setting. As an example, if you use your smartphone to pan around your room, when you look at your phone’s screen you may see Hagrid standing in the middle of your bedroom.

When you first start playing Harry Potter: Wizards Unite you’ll get to choose which Hogwarts’ house you attended before you graduated as well as a magical career path. Currently you can play Harry Potter: Wizards Unite as an auror, a professor or a magizoologist. Once you’ve created your character you’ll be able to fight magical beasts, cast spells and collect mysterious artefacts.

Merlins Millions:

If you’re a fan of playing slots and are searching for a fun wizard themed game, it’s well worth testing out Merlins Millions. Which is based around the legend of Merlin, who legend claims was the personal wizard of King Arthur. Who pulled a sword named Excalibur out of stone.

Merlin’s Millions is a fun, five reel slot game which has been themed around the legend of King Arthur and his powerful wizard, Merlin. If you enjoy slots which feature fun themes, bright, fun colors and vibrant music, it’s definitely well worth giving Merlins Millions a spin. Especially if you think you’re capable of winning a sizeable jackpot.

Wizard of Legend:

Wizard of Legend offers classic RPG style gameplay and is the perfect game to play if you enjoy playing RPG style dungeon crawlers. As you’ll spend most of your time playing Wizard of Legend exploring seemingly endless dungeons, where formidable enemies lurk around every corner. In order to fulfil your quests you’ll need to learn how to use different combinations of spells in order to disarm and defeat your opponents. There are currently hundreds of different spells which you’ll be able to learn in order to assist you on your quest to become the Wizard of Legend.

So while it may be impossible to become a real wizard, you’ll definitely be able to live out your fantasy of learning spells and becoming a wizard by playing one of the fun wizard themed games which are listed above!

Long term insurance coverage is a special type of insurance policy that provides coverage for other services not covered by other health insurance policies. Ideal for people above 65 years, the insurance coverage offers nursing home care as well as personal and adult daycare.

A long-term care insurance policy goes a long way in providing coverage for people who are struggling with chronic medical conditions that make it difficult for them to perform normal duties. Some of the added services included in such policies include bathing, dressing as well as getting in and out of bed.

Insurance companies determine premiums for long-term life insurance coverage based on age, health, as well as the type of policy one wants. For that matter, the longer you wait to take the policy, the more expensive it is likely to be. Buying the policy between the age of 52 and 64 can allow one to get a good deal, given the reduced risk as perceived by insurance companies.

The premiums payable also tend to vary by gender. For single men, annual premiums may rise to highs of $2,050 while that of women may clock highs of $2,700. For people above the age of 55, the average annual premium is about $3,050.

How Long Term Care Insurance Works

Just like any other insurance policy, to enjoy the benefits of LTC policy, one needs to buy the policy and begin paying monthly premiums. While such health insurance policies can be expensive, they provide the much-needed financial benefit when one is incapacitated and cannot work.

Coverage of LTC policies kicks in whenever a policyholder needs help with at least two of the six activities needed for daily living. If one is not able to eat, bathe, dress, move, or even use the toilet, an insurance company is obligated to come in and provide coverage. Similarly, a severe cognitive impairment that may exacerbate policyholders’ health and safety risk also qualifies for coverage.

However, LTC policies come with an elimination period that outlines the number of days that a policyholder must wait to receive benefits. In most cases, the elimination period is usually 30 to 60 or 90 days.

The amount of money reimbursed upon the expiry of the elimination period is known as the daily limit. The amount is outlined in the policy, and an insurance company is obliged to pay the daily limit for an agreed period. In most policies, the payment period can be between two and ten years.

Who Needs Long Term Insurance Care?

Long term insurance care is for people concerned about the costs of eldercare. By paying premiums well in advance, one can avoid the risk of having to pay out of pocket for eldercare. Women tend to be the biggest beneficiaries of LTC policies, as they tend to outlive men most of the time.

People with chronic illnesses or those at a greater risk of contracting such illnesses can also protect their wellbeing at old age by taking long-term life insurance coverage. Such illnesses are known to lead to disabilities that can make it difficult for people to take care of themselves.

Benefits of Long term insurance Coverage

Long term insurance care comes in handy for people who are not able to rely on their children or family members for support. Such policies help cover out-of-pocket expenses while in elder care, consequently averting the risk of having to use savings.

Similarly, long term insurance care coverage allows the insured to maintain a certain level of independence, given their ability to afford quality care upon incapacitation. In addition, the policy reduces the financial and psychological stress that long-term care may pose to a family.

Long-term life insurance coverage also stands out on the fact that it allows the pooling of costs and the spreading of risks. The policy can be a lifesaver given that elder care homes charge as much as $250 a day. Therefore, LTC tends to be cheaper and adequate as opposed to paying for long-term care out of pocket.

Long-term life insurance coverage is also guaranteed renewable, which means an insurance company cannot cancel a policy because of age, physical condition, or mental health of the insured.

Premiums paid on such insurance policy are also tax-deductible with the deduction depending on the age of the insured.

The Bad

One of the biggest downsides of long-term life insurance coverage is that it can be expensive. Costs of as much as $2,170 a year can be expensive beyond the reach of most people. For that reason, such policies do not compare favorably with other insurance policies.

Long-term life insurance policies also come with restrictions on who can qualify for coverage. For instance, people must buy policies while young and healthy. Older people with pre-existing conditions may struggle to obtain coverage.

Protect Against What Could Be

While most people don’t want to think about the worst-case scenarios, it’s definitely something you should consider down the line. Better to be protected than to pay the price later.

ABOUT MACK DUDAYEV

Mack is the owner and life insurance expert at InsureChance. On a mission to create a way everyone can understand, afford and attain the right life insurance coverage to protect their financial responsibilities.

Are you wondering if diamonds will fall out of engagement rings? If you were newly engaged, you surely wouldn’t want the gemstones to fall out of your ring, would you? After all, that’s where the sparkle is located—the highlight of the band.

However, diamonds can fall out of rings when you are not very careful during specific circumstances. The best thing you can do to prevent this is to be aware of these situations. We understand how much you want a piece of very personal jewelry to last forever; hence, in this article, we will give you the best tips on how to keep your diamond jewelry Vancouver ring intact at all times.

Why Diamonds Fall Out of Rings

The most common reason for a diamond falling out of the ring is when the wearer inadvertently hit it on hard surfaces. Diamonds are guaranteed to be strong and secure, but it will still loosen up over time if not given proper TLC.

Here are our solid tips to make sure the diamonds on your ring will stay in place indefinitely.

1. Don’t overexpose your ring to water. This is the first thing you have to stop doing to prevent the stone from wearing off. You don’t have to take them off every time you wash your hands, but it’s best to leave them behind when you take a shower or step into the pool. Too much water can weaken and loosen the metal clasps, which will eventually make the stone fall out.

2. Avoid using chemical cleaners. This is a piece of good advice, especially if you don’t know the ingredients of the cleaner. While it is necessary to clean your jewelry regularly, it is best to ditch something that is not familiar. Or you can ask your reputable jeweler for help when it comes to cleaning your diamond ring.

3. Do not wear your ring when doing strenuous activities. We do a lot of things with our hands and fingers. While some chores are jewelry-safe, you should consider removing your rings when doing the following:

• Playing rigorous sports
• Gardening (you can wear gloves, but it’s better to be safe)
• Applying lotions and cosmetics
• Doing something with tools

Your Diamond Ring Needs TLC

Your diamond jewelry Vancouver ring is one of your most valuable purchases ever. Take care of it as you take care of your relationship.

 

I was absolutely delighted last month when the great DJ Rama invited me onto his podcast to discuss my Desert Island Discs. If you haven’t heard of this premise before the idea is that you pick 5 singles that you would take with you to a desert island if you were going to be trapped there. DJ Rama really knows his stuff so I spent a lot of time working out which would be the records that I chose to take with me. It’s more difficult than I thought actually but I did eventually decide and these are the discs that I’m taking with me.

Band on the Run – The Wings

Although I prefer the stuff Lennon did as a solo artist there is no getting away from how good Paul McCartney and the Wings were, and this is my favorite song of theirs. It would be great to listen to on the desert island because it is long, it talks about being trapped and it also talks about getting free. I think I’d use this song to keep things optimistic.

Billie Jean – Michael Jackson

I’m going to need something to do during my time on the island so I figure why not try and learn the moonwalk or to dance like Jacko. If I’m going to be doing that there is only one song that I need with me and that is Billie Jean. I have already listened to this song 150,546 times, so I have no doubt that I won’t get bored of it on the island.

Stir It Up – Bob Marley

I picture my island with hot sun, white sand and palm trees and if I am going to be in such a delightful paradise, I’m going to need some beautiful music to wake up to, and there is nobody better than Bob Marley for that. His soothing voice and those slow reggae jams are going to to be the perfect tonic for my misery of being trapped alone in the middle of nowhere.

Master of Puppets – Metallica

There is going to be moments on the island when I’ve had enough of it all and the anger takes over, and that is when I’m going to need some heavy rock to get rid of all that negative energy. Master of Puppets is a lengthy song with aggression and a great solo. This will be my song for when life begins to get me down.

Staying Alive – Bee Gees

When the one man party starts on the island there is only one song which I want to dance to in my grass skirt and that is this gem from the Bee Gees, just imagining my dancing to this on a desert island makes me laugh, so I’m sure the reality will also be good enough to put a smile on my face.

If you had to choose just 5 songs to take with you, which would they be?

 

Whether you’re just starting your collection or you’re looking to fill in the last couple of spots on your Presidential roster, collecting autographs for the US Presidents can be a rewarding hobby. What is better than being able to share your collection of autographs and memorabilia with your friends, sharing stories about the history of each item and how you added it to your collection?

So how can you find presidential autographs for sale?

Presidential Autographs for Sale

Thankfully you no longer have to trail around antique and collectible shops and sit around at auctions to build your collection of memorabilia. The advent of online shopping and search means your search field has opened up massively and you should be able to locate the autographs and memorabilia you require for your growing collection. While Ebay and other online auction sites can turn up the occasional gem, the items are few and far between and search criteria doesn’t allow you to hone in on the exact items you want.

So thankfully there are now some online collectors websites available where you can buy at cost, or by auction the items you want. Also many of them recognise the important of authentication so provide certifications or authenticity having carried out the authentication process themselves to ensure quality of their stock. Some even provide photographs of the autograph or memorabilia item being collected to add further reassurance. These websites have the bargaining power to buy whole collections from individuals or at auction, which can then be broken down and sold off separately to smaller collectors, opening up great opportunities if you only want one or two items.

If you’re a collector of Presidential autographs, finding an original for some of the older Presidents can be particularly difficult. One of the websites we checked out “Piece of the Past” currently has autographs from Presidents such as James Polk, William McKinley, Calvin Coolidge, Benjamin Harrison, Theodore Roosevelt, Harry Truman, John Tyler, Franklin Pierce, James Buchanan, Gerald Ford, James Garfield, Richard Nixon, John F Kennedy, William Taft, Herbert Hoover, Barack Obama, Donald Trump, Ronald Reagan and Abraham Lincoln. Some of these are signed photographs, while others are stamp franks accompanied by signatures.

One of the most interesting items we found was a United States Senate Memorandum dated December 20^th 1955 signed by John F Kennedy himself when he was a Senator. When he was President most signatures were done by Autopen or were Secretarial. Priced at $1999.99 this is an exciting addition to any collection and perhaps a good investment for the future.

In addition to Presidential autographs some sites also carry Vice President autographs, which might add another layer to your Presidential collection that you’d not considered before. Other famous autographs available also include First Ladies, Historical Figures, Musicians, Actors and Sports People. Some memorabilia is also available including musical instruments, props, wardrobe items and documents. Whether your interest is in a particular era, a particular city or state, or those individuals you have an affinity with, there is plenty to be collected.